Sick and tired of not being able to afford to buy car insurance? You’re in the same situation as the majority of other car owners. Insurance companies such as GEICO, Farmers Insurance and State Farm persitently shower you with TV and radio ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.
It’s important to do rate comparisons quite often since insurance rates fluctuate regularly. Even if you think you had the best deal for Cobalt coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use online quotes to find better coverage at a better price.
Verify you’re getting all your discounts
Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested before you will receive the discount. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Organization Discounts – Being a member of certain professional organizations may earn a discount when shopping for car insurance for Cobalt coverage.
- Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
- No Accidents – Drivers who don’t have accidents pay less compared to drivers who are more careless.
- Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more off your PIP or medical payments premium.
- Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
It’s important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.
To see a list of insurers offering car insurance discounts, click this link.
Compare Quotes for Car Insurance
Lowering your Chevy Cobalt car insurance rates doesn’t have to be difficult. The only requirement is to take a couple of minutes to compare rate quotes online from several insurance companies. This can be accomplished using a couple different methods.
- One of the best ways consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This type of form keeps you from doing separate forms for every car insurance company. Filling out one form will return quotes instantly.
- A more difficult way to find lower rates requires you to visit the website of each company to complete their respective quote request forms. For example, let’s say you want comparison quotes from Progressive, Allstate and GEICO. To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.
- The hardest way to get comparison rates to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you have a need for the professional advice of a local agent. Drivers can compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.
Whichever method you choose, be sure to compare the exact same coverage limits and deductibles with each company. If each company quotes different limits and deductibles on each one it’s not possible to make an equal comparison.
When might I need the advice of an agent?
When buying adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine if your situation would benefit from an agent’s advice.
- Does my policy pay for OEM or aftermarket parts?
- Why is insurance for a teen driver so high?
- Which companies will insure high-risk drivers?
- What is high-risk coverage and where do I buy it?
- Where can I get insurance after a DUI in my state?
- What should my uninsured motorist coverage limits be in my state?
- Am I covered if I wreck a rental car?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.
Quote more, save more
Budget-conscious Chevy Cobalt insurance can be purchased online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.
We just presented quite a bit of information on how to compare Chevy Cobalt insurance prices online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with a lesser-known regional company. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.
